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*Annual average savings for respondents who reported savings based on an insuranceQuotes September 2014 survey sent to 224,813 insurance shopping consumers that returned 154 survey respondents. Your actual savings may vary.

Pros and Cons of Getting a Car Insurance Rate Quote Online

Wednesday, January 09, 2013 3:36:05 PM

It used to be the case that when you shopped for car insurance, you’d have to deal directly with an insurance broker, either by phone or in person, to get a quote. Then came the Internet. These days, the tools are in place for you to do all of your car insurance shopping online, without ever having to have any human contact at all. But is it a good idea? There are pros and cons of car insurance quotes online. Let’s consider both sides. Car Insurance Rate Quote: Online Shopping Pros

The biggest benefit of using the Internet for getting a car insurance quote is convenience. You can do your insurance shopping when you have time, rather than trying to fit in a meeting with an insurance broker during your busy work day or spending your lunch hour on the phone with an insurance company. Instead of making phone calls or visits to a long list of car insurance providers, you can get quotes from the company’s on your short list with a few clicks of the mouse. There are even websites that gather several car insurance rate quotes for you after just entering your details once.

Another pro of getting a car insurance quote online is that you can shop for insurance without feeling pressured. When you are dealing with an insurance agent, it’s easy to feel like you’re getting the hard sell, even if you only want a quick quote for comparison purposes. It can make the experience a little uncomfortable, plus, you may end up signing up for insurance you aren’t entirely confident about just because of the pressure you feel from the agent. When you’re shopping online, you can take your time comparing car insurance quotes and making your decision, without interference.

Car Insurance Rate Quote: Online Shopping Cons

One of the biggest benefits of obtaining car insurance quotes online is also one of the biggest cons. Not having to deal with an agent may take some pressure off of you, but it also means there is no one to answer your questions. You won’t get inside tips on how to save money on your insurance rate, and you end up with less or more insurance than you need because you don’t really understand the ins and outs of the policies.

Fraud is another problem. Con artists have used car insurance quote sites as a way of collecting your personal information, and some online insurance companies simply lack the stability to stay in business long term. Dealing with a reputable company is the best way to avoid falling victim to these shady deals.

Getting car insurance quotes online can be convenient and easy, but make sure you are dealing with an established company and that you understand the policies before you make a deal.

Replacing a 1991hondacivic with a 1991hondacivic could raise insurance rates by 50%.

Calculator Assumptions

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Calculator assumptions are based on a hypothetical driver with excellent credit, a bachelor’s degree, and no lapse in coverage who drives 15,000 miles per year, has state minimum policy limits, a $500 deductible on collision and comprehensive coverage and uninsured motorist coverage.

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See "Calculator Assumptions" for certain assumptions used in this calculation. Calculation based on historical data which may not predict future results. You should not rely solely on this tool to determine how much car insurance rates may go up or go down when insuring a different vehicle. There are numerous factors you should consider, including the terms of your insurance policy, the laws in your state, and your past driving record, among others. Your use of this tool is governed by insuranceQuotes' Privacy Policy and Terms of Use.

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